First, why does the work unit also affect the loan?
Because banks issue credit loans, borrowers are required to have a fixed job and a stable source of income, so as to ensure that applicants have the ability to repay, otherwise their financial situation is poor or they have no fixed income, and one day they may have no money to repay.
Therefore, freelancers, small and micro business owners, Taobao shopkeepers, housewives and other people must apply for special loans, and ordinary credit loans are easily rejected.
Second, which work units are unpopular?
High-risk occupation: The risk is so great that you may not even be able to guarantee your own safety. Although the salary is high, the risk is too high, such as long-distance bus drivers, coal miners, aerial workers and so on.
Service industry: these people generally have low income, low consumption power, low education level and poor job stability. They will change jobs whenever there is a situation, and their income is unstable, such as chefs, security guards, waiters and migrant workers.
Salesperson: the income mainly depends on commission, which is not very fixed. Maybe a month can reach half a year. If extravagant people can't save money, it will affect repayment, such as real estate agents and insurance salesmen.
Some civil servants: Although people in public institutions are more popular, not all civil servants have this treatment. Some people are special and can be regarded as high-risk groups, such as auxiliary police and urban management.
Employees of special enterprises: some informal enterprises find money for employees in order to avoid taxes, so there is no bank flow, which will affect the success rate of applying for loans; In other companies with poor development prospects, employees may also be refused to apply for loans, such as the previously exposed example of LeTV employees' credit card limit being reduced to one yuan.
In addition, it is also difficult for staff in KTV, video games, Internet cafes, bars and other places, as well as seafarers, sailors and other people who do not work locally to apply for loans.
To sum up, each bank has its own auditing standards, and some products may not be required by the work unit. You can apply for some low-threshold products to accumulate personal credit first, and then apply for products with higher quota and lower interest later, and the success rate will be higher.